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Five credit mistakes you should never make
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[QUOTE="King bell, post: 252093, member: 75687"] There are a lot of things to think about when it comes to your credit. You might not even realize all of the things that can affect your credit score. However, there are some credit mistakes that you should never make. Here are five of them: 1. Not paying your bills on time – This is one of the most obvious mistakes, but it’s also one of the most important. Your payment history is one of the biggest factors in your credit score, so you need to make sure you’re paying your bills on time. 2. maxing out your credit cards – Another big factor in your credit score is your credit utilization ratio. This is the amount of debt you have compared to your credit limit. You want to keep your ratio below 30%, so maxing out your credit cards is a big mistake. 3. Applying for too many credit cards – When you apply for a new credit card, it will result in a hard inquiry on your credit report. Too many hard inquiries can hurt your credit score, so you should only apply for new credit when you really need it. 4. Closing too many credit cards – You might think that closing unused credit cards is a good idea, but it can actually hurt your credit score. It’s better to keep your credit cards open, even if you’re not using them. 5. Not monitoring your credit report – You should check your credit report regularly to make sure there are no mistakes. If you see anything that looks wrong, you can dispute it and have it removed. [/QUOTE]
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Five credit mistakes you should never make
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